People are slagging on millennials for not getting their act together, but the truth is that our economic reality is much more difficult than 20 or 30 years ago. Almost every Gen Y'er wants to be responsible with their money -- trouble is we just don't have any.

We were told we could have the world, and unsurprisingly, we're getting more than a little anxious out about the idea that we won't be so fortunate. To be frank, all we really want is for that ugly lie our high school guidance councillors told us in senior year "if you go to a good university and work hard, doors will open for you," to be true. But it's not.